AjoFlow

AjoFlow digitizes traditional Ajo, Esusu, and cooperative thrift savings with automated Nomba payments, AI-powered trust scoring, and real-time community collaboration tools. Built for the Nomba Hackathon 2026 — Virtual Accounts Infrastructure Track. Problem Solved: Traditional Ajo relies on paper records, cash handling, and WhatsApp groups — all of which create disputes, lost records, and zero financial transparency. AjoFlow solves each of these with bank-grade digital infrastructure while preserving the cultural and social trust mechanics that make Ajo work. Key Features: - Rotational Ajo, Target Savings, Cooperative, and Investment groups - One static, non-expiring NUBAN virtual account per member per group - Card + bank transfer checkout via Nomba hosted checkout, plus tokenized recurring cards - AI-weighted Trust Score (0-100) built from real payment behavior - Conversational AI assistant in English and Nigerian Pidgin - Admin-approved payouts with bank-side name verification - Trust-score-gated loan requests within groups - Group announcements, discussions, and comments - Installable PWA on Android, iOS, and desktop Challenges Faced & Solutions: - Reconciliation at Scale: Every transaction is verified via HMAC-signed Nomba webhooks with idempotency checks before it touches the ledger, so group treasuries stay accurate with zero manual intervention. - Trust Without a Credit Bureau: Designed a weighted scoring model from on-time payments, consecutive streaks, late payments, missed payments, and loan defaults — a financial reputation system for a market that's never had one. - Isolated, Per-Group Treasuries: Every cooperative group gets its own isolated treasury and dedicated virtual accounts on top of a single Nomba sub-account, so funds never cross between groups.